Auto Insurance

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or other event covered by your insurance policy.

Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

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Auto Insurance Coverages:

Collision and Comprehensive (other than collision) coverages

Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.

  • Collision coverage protects you against vehicle damage caused during an accident.
  • Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.

Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.


Liability coverage

Liability coverage pays for injuries you cause to other people and damage you cause to other people’s property when you are at fault in an automobile accident.

Medical Payments coverage

Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and the passengers of your car who are injured in an automobile accident, no matter who is at fault. You may not need this coverage if you and your passengers have health Insurance.

Personal Injury Protection

Some states require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.

Uninsured/Underinsured Motorist coverage

This coverage pays if you are injured by a person who is completely uninsured or doesn’t have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.

Optional coverage

Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.

How Much Do I Need?

Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.

Types of Auto Insurance Policy options include:

  • Auto
  • Motorcycle
  • Boats
  • Personal watercraft
  • RV’s
  • ATV’s / Off-road vehicles
  • Trailers
  • Classic Cars